M1 - Investing & Banking

Build wealth effortlessly with M1: Your all-in-one platform for earning, investing, spending, and borrowing. Join hundreds of thousands of investors who trust us with over $9B in assets.

INVEST

Automate your long-term strategy when you invest with an individual, joint, trust, or custodial account. Or open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Build a custom portfolio with over 6,000 stocks and ETFs. Choose from pre-made Model Portfolios based on common strategies, so you can easily invest according to your values, risk tolerance, retirement plan, and more. Auto-invest over time for your long-term strategy.

Let our automation purchase shares for you. The algorithm will never sell unless you tell it to. Enjoy tax-smart selling when you do.

Fractional shares let you invest as little as one dollar for more power and flexibility. If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash.

One-click rebalancing makes sure your investments match your goals.

HIGH-YIELD CASH ACCOUNT

Earn 5.00% APY1 on money in your High-Yield Cash Account. Set your own rules and automate money moves with Smart Transfers.

BUILT-IN MARGIN

Margin lets you tap into the power of your portfolio through a line of credit set against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin.

Leverage up to 50% of your portfolio at a rate of 7.25%. Tap into your funds in minutes for liquidity without selling off your securities.

No paperwork. Pay back on your schedule—there’s no minimum or maximum repayment period.

M1 PERSONAL LOANS

Borrow $2,500–$50,000 over 2-7 years for almost anything.

No prepayment penalties, origination fees, or late fees.

APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.

Example: A borrower receives a loan of $15,000, for a term of 36 months, with an APR of 11.17%. In this example, the borrower will make 36 monthly payments of $429.31 for a total of $17,723.16 ($2,723.16 interest). APR is calculated based on 3-year rates offered in Jan 2024.


PLAN FOR RETIREMENT

Open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Automate and think about maxing out your retirement contributions with recurring deposits and auto-invest functions.

THE OWNERS REWARDS CARD

Earn and reinvest cash back as you like with the Owner’s Rewards Card. You can automatically reinvest your rewards money to build wealth—even as you spend it.

CRYPTO

M1 offers investing in cryptocurrencies, including BTC and ETH. You can make Crypto part of your long-term investing strategy, invest automatically in custom pies, commission-free.^

ACCOUNT PROTECTION

M1 Finance LLC, Member of SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.

Additional DISCLOSURES

View our privacy policy at https://m1.com/legal/privacy/

See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Must be 18+ and US resident to open an account.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

© Copyright 2024 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States